Can the insurance be refunded after the mortgage is paid?
Of course you can return it! No matter what commercial insurance you bought, as long as you want to return it, even if you regret it after buying it, or you want to return it a few years later, you can return it at any time! Surrender is written in the insurance contract, your rights.
1, where do you turn yourself in?
You can directly call the insurance company's customer service phone to surrender. Insurance sold by banks is also provided by insurance companies, and banks are only subsidiaries.
2. How to check the customer service telephone number of the insurance company?
If you have a paper insurance contract or an electronic insurance contract, you can see the names of insurance companies in the contract, such as Tianan Life Insurance, Huaxia Life Insurance, Taikang Life Insurance, CITIC Prudential Life Insurance, China Merchants Cigna Life Insurance and Pacific Life Insurance. Then just check the customer service phone number of this company directly.
If you don't have an insurance contract, you don't know which company you bought insurance from. You can open the official WeChat account of "China Insurance knowledgeable person", a free insurance inquiry platform developed by the Bank of China Insurance Regulatory Commission. Click the policy inquiry button to find all the policy information under your name, and then call customer service to apply for surrender.
The key question is: Should this insurance be refunded?
One of my clients bought a house in Nanjing. When he applied for a mortgage loan, the bank bought an insurance for him, paying 5,000 yuan a year for five years. This is an old-age insurance. He began to receive a pension at the age of 55.
The predetermined interest rate of this insurance is 4.025%. At the end of 20 19, this insurance has been completely discontinued, and it is impossible to buy such high-interest insurance now.
My client not only didn't want to return this insurance, but even regretted paying less. He should pay more and collect more wool, but if he misses the opportunity, he misses the opportunity and it won't come again.
Therefore, if you want to surrender your insurance, you can first find out whether this insurance in your hand is treasure or garbage. If it is rubbish, don't hesitate to surrender and stop loss! If it is a golden cake, then if it is a return, there is no regret medicine.
In addition, surrender often loses a lot, and it is impossible to refund the premium in full with great probability. If it is a serious illness insurance surrender, it is good to pay 1000 yuan in advance and return 1000 yuan. If it's financial insurance, the refund is a little more, but it's still far from the money you paid.
Therefore, surrender should be cautious. First, find out what the insurance in your hand is for, then call the customer service of the insurance company to ask how much money you can refund, and then decide whether to surrender. I hope my answer is helpful to you. Please feel free to ask me if you don't understand.